Bin list – Mastercard and Visa binlist

Bin List (Binlist) & Bin Ranges

The first шесть digits of a credit card number are known as the Issuer Identification Number (IIN), previously known as bank identification number (BIN). These identify the institution that issued the card to the card holder.

Online merchants use bin list to help validate credit card transactions. For example, if the credit card’s BIN indicates a bank in one country, while the customer’s billing address is in another, the transaction may call for extra scrutiny before approval. Additionally, merchants can use bin list to determine card type, such as a credit, debit, or prepaid card. Orders using prepaid cards are three times more likely to rate of fraud. Similarly, International orders (outside of US and Canada) are also three times more likely to be fraudulent. The countries that are most likely to originate a fraudulent order are: Nigeria, Indonesia, Russia and China. Many merchants use the prepaid flag and county of issue flag to alert them when suspicious order has been placed, so they can either inspect it more closely or simply reject it to be safe.

The bin list and bin range used on binlist by the major card schemes are: